-
Blunt debt advice wanted
£15k loan defaulted 24 months ago £15k credit card defaulted 18 months ago £30k business personal guarantee that isn't on my credit file but bank are asking for. £15k Credit card have agreed settlement for £2500 but will be satisfied, not settled, on the credit file and will likely show the defaulted balance. They've told…
-
spend diaries
Hi Everyone Now I got a grip on my budget,etc.What is the best way to set up a spend diary?.I know it sounds simple,but should I write entries on a daily basis ,in my notebook? Then add them up at the end of the month,as an overal figure? I am using Goggle sheets for my overall monthly budget,and was thinking of including…
-
Starting a DMP. Would you write to lenders?
I am in the process of starting a DMP with step change. I have the paperwork signed and need to send it back and the list of accounts and things. I have arranged for bank accounts to be switched over, although our joint account is taking a little longer. I wrote a thread on here yesterday and someone suggested cancelling…
-
Attachment of wages change
Hi all, Hopefully i posted this in the right place! I have been at my current job for 7 years and had a attachment to my earnings from a old CCJ paying off £65 a month to HSBC but i have just took a new job which pays alot more BUT is self employed.... What do i have to do now? i called the court and the women on the phone…
-
Sat/Sun 27th/28th February - What small DFW things will you do today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Credit Reports
Would you all suggest purchasing the £2 credit report from Experian? I am signed up to bth Clear Score and Noddle, but Clear Score include some creditors that Noddle has excluded and vice versa. Would it be worth ordering the experian report? If so, would you suggest getting a new report every 6 months?
-
When to redo budget?
Hi, I have recently gotten a new job so was wondering when people say is best to look at budget again; before paycheck hits on the day or after?advice muchly appreciated
-
Debt and looks like a debt management plan
Over the years as a single parent I have accumulated £14k worth of debt. £12k on credit cards and the rest on catalogue and store cards. I am just managing to meet minimum payments but as the end of the month comes I am dipping more and more in to my overdraft and cards to cover things. I wanted to get a loan to pay them…
-
Friday Feb 26th - what small DFW things will you be doing today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Confused and Frustrated
7 Years ago I got into financial trouble after a business I was involved in folded. I ended up with 2 CCJs and 4 defaults. Three of the defaults were credit cards because I simply was unable to pay them back. I was very down and burried my head in the sand instead of trying to negotiate with lenders. Since then, I have…
-
Excel Civil Enforcement - TV Licence
Hi guys, hoping I can get some quick help with this! Back in 2014 we had a house visit from a TV licence inspector. It turned out our direct debit had failed and we were a couple of months behind on the TV licence payment. We've had to move house twice in the last couple of years and we were in the process of moving house…
-
Budgeting Help - Ending Living Paycheck to Paycheck
Hi all, Apologies if I am posting this in the wrong thread, but I really need some advice regarding budgeting and managing my money as I end every single month overdrawn despite starting every month with the aim to spend less and save more. I currently have my main current account with First Direct and use this for…
-
I've done it (sort of...)
I'm now sufficiently close to payday to call this: on Sunday (the day before payday), I will have more money than I owe. This is a £6,500ish turnaround from last summer and probably the first time in nearly a decade that I end a month in the black (admittedly only to the tune of around £50). I still owe £4,000 on a credit…
-
Question About Making Payments
I'm in the process of setting up a token payment plan with my creditors. I have to pay them all £1 before it is formally set up. How do I make this payment? Do I send them a cheque or a £1 coin or what? Sorry if this is a silly question, but I really have no idea what to do!
-
Arranged to reduce Overdraft, question?
Hi there, I'm not sure which forum to post in, so I apologise if this is in the incorrect section. Basically, I have a 220 pound overdraft with Nationwide. my job is very seasonal, so I get paid around 400 in the winter, so I always end up back in my overdraft after paying all my bills. I got a letter telling me that…
-
Staying on track - very long February
February has never felt so long. I am just longing for paypay - last working day! We have cut up the credit cards and as soon as I get paid I will clear CC1 and CC2 and take 185 off CC3. CC3 is 0% until July but I plan to pay the rest in March and April. Then get onto the car loan The worry is I am wishing my life away…
-
Thursday 25 Feb 2016. What small dfw stuff will you do today?😀
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Thursday 25th Feb - What small DFW things will you do today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Have more than one bad credit CC?
I don't want 100s (if fact I don't want any) but do you think having two bad credit CCs (like Aqua Classic and Capital One Classic) would help improve my credit rating more than just having one of these? I've been approved for an Aqua Classic and wondering if I should stick with just that or get one more. My credit score…
-
Addicted to spending!!!!!!
I'm not in any debt but fear that one day I would be. I just can't stop spending my money...it mostly goes on food and my partner. I've struggled for the past 2/3 years to save money on my own and now i find it harder with my relationship. i also find it hard to say no, in the morning i have a clear mind and i say no to…
